You have to hire a credit repair service or lawyer to fix your credit.

It used to be that attorneys were forbidden from advertising their services because it was considered unprofessional. When that law was repealed, lawyers found dozens of new industries in which they could promote their services. Credit repair companies often employ attorneys to legitimize their efforts and to justify their high fees.

All these services do is send out a series of letters on your behalf to the credit bureaus. They charge monthly for this service because federal law forbids them from charging an upfront fee. But by charging monthly, they have zero incentive to speed up the process. Therefore, they actually take more time than necessary in order to rack up the fees. It's not unusual for it to take several years before you see results from these companies. By that time, you've paid thousands of dollars for results you could have acheived with Credit Repair Magic in a fraction of the time.

Also, because you have to fill out so many forms and continually send the attorneys your credit reports every time they come in, it actually takes more of your personal time than it will with Credit Repair Magic's self-directed approach.